saving

I love getting mail from PDITF readers. It makes me feel like I’m important, even though I’m really not. Well, it’s time we help another Debt Puncher out and share our two cents on his situation. His email says… I just paid off the first of my 9 (yes…credit+retail) cards. It’s a huge achievement. I’m […]

Prolonging the journey

September 12, 2010 · 31 comments

I’ve been in the personal finance game for a little over two years now and it’s been a ton of fun. Many of my goals, during this time, have ebbed and flowed (much like my mother’s love for me), but home ownership has always been an urgent necessity. It would validate my significance and success […]

Are you down with the down payment? Now that I’m debt free, I have only one objective with my discretionary income. Save it. Even though I’m coming to realize renting isn’t really that bad, I imagine one day Girl Ninja and I would like to buy a house. Being that we probably wont be buying […]

You know who I’m talking about. It’s the 103 year old woman that lives down the street. In a very tiny one bedroom house. She keeps mostly to herself and has 18 cats. Yeah, 18 cats. What you DO know about the “cat lady” is that she uses a garbage bag as a rain jacket. […]

*Fabulously Broke tweeted this image yesterday and I thought it was too good to pass up* Being broke is trendy. Seriously, I think it’s the new black. I guess this is no surprise, being that the national savings rate is a measly 3%. Let’s be honest: If you ain’t broke, you aint cool. Wait. That’s […]

The interesting thing about interest, is that it acts as our frenemy (friend/enemy). It’s often a major player in wealth building, but also one of the driving forces behind the ‘paycheck-to-paycheck’ lifestyle. It can work for or against you. The choice is yours. To kick things off, I thought I’d start with a chart I’m […]

I save like a G

February 22, 2010 · 21 comments

I love today’s title because it holds double meaning. I originally meant I save like a G (as in Gangsta). If you didn’t know, I’m the ghettoest (is that a word?) personal finance blogger this side of the Mississippi Milky Way.  I love rapping, hip hop music, making beats, and learning about compound interest. If […]